You know no players can play this game without Guild Wars Money, whatever you do in the game virtual gold is needed, the higher level the better, high level is good for you to earn money and money is also good for you to upgrade.
1. Level 1 to 20: Basically you will be stuck on trainee island till about level 13 epic 3. Light bows is not recommend using now, because it will only hider your leveling speed. You will want to gain level as much as possible because that is where it starts becoming fun.
2. Level 20 to 35: Just do all your quests in the 3 towns, and it should take you to at least level 30 with epic3. If you just want to grind, you can grinding on turtles for their slow movement speed. Also, be sure to upgrade your bow as soon as possible.
3. Level 35 to 45: Pre epic 3, maybe you did not really have a choice but to grind till almost level 40 on the laurels near ivory tower, but with the inclusion of the moonlight dungeon you can go there to level, energy charge which is your primary healing skill do not cut it anymore above level 35. So by joining a dungeon party, you will have lesser down time, but of course grinding alone means you are in better financial state, because all drops belong to you, and chances of getting a common pet card is also higher. Also, you could duo with a partner till level 40 for their heals and buffs will make you an excellent fighter outfield.
4. Level 45 to 65: Just go grind in the lost mines dungeon, stick to controller 1 till level 53, then controller 2 till 58, controller 3 till 63. And finally grind with a party in controller 4 till at least 65 before you move on to the crystal valley dungeon.
5. Level 65 onwards: You can start going to crystal valley, but it is a much harder place to reach and therefore your chances of dying on the way there is higher too.